zulu.1461.cellphone banking
BONA – August 2005
I-Pay-As-You-Go yoQOBO
Ama-cellphone ethu aseyasisiza ekwenzeni umsebenzi webhange kube ngolula - nokuyinto okufanele ishayelwe ihlombe!
Qeda izinkinga zamabhange
indaba nguPATRICIA McCRACKEN
I-Wizzit ayiyichithi imali ngezikhangiso kodwa ithumela ama-consultant ayo ukuba ayofuna amakhasimende.
KUYAPHELA ukushaya olayini emabhange nokubanjwa inkunzi ngezinsuku zokuhola. Bangaphezu kwengxenye yesigidi abantu bakuleli emabhange ahlukene asebeyithanda indlela yokusebenzisa ibhange ngosizo lwama-cellphone. U-FNB uthi le ndlela entsha ye-pay-as-you-go ilusizo ngokufanayo kulabo abanama-akhawunti oMzansi naweSmart Account nakulabo abangabaqondisi.
“Manje sengiphatha imali encane bese ngisebenzisa i-debit card ne-cellphone uma ngikhokha izikweleti,” kusho uMpho Kgampe (29) waseGoli owashintshela kwiWizzit cellphone banking ngonyaka odlule - phezu kokusebenzela elinye lamabhange AMAKHULU AMANE elinalolu sizo lwe-cellphone banking. “Indlela yeWizzit kulula ukuyifunda.”
“Ilula njengokuthumela iSMS,” kusho u-Isaac Magakwe wasePitoli owazivulela i-akhawunti eminyakeni emibili eyedlule nabe-Wizzit okuluphiko lweSA Bank of Athens.
“Ngithumela imali kuma-akhawunti abanye abantu, ngikhokhe izikweleti, ngithenge i-airtime, ngikhokhele ugesi namanzi.”
I-cellphone banking iyilungele i-Africa, kusho abeFinmark Trust eGoli ngoba sinama-cellphone amaningi kunabantu abanama-akhawunti, futhi mancane amagatsha amabhange nama-ATM. AbakwaNedbank yibo ababa ngabokuqala abethula kuleli i-cellphone banking ngo-2000, uWizzit yena waqala ngo-2005 kanti futhi udayiselana nomphakathi ngqo ngosizo lwama-consultant abo abizwa ngokuthi amaWizzkids.
I-cellphone banking ikongela kabili ngoba wonga imali engaba ngu-R20 wetekisi uya ebhange noma kwi-ATM uma ufuna ukuyokhokha izikweleti ekubeni nezindleko zakho ezibanjwa yibhange zizokuba phansi.
Ungazikhokhela ekhaya ubukela iTV; uzidlela idina emsebenzini; noma ngabe wenzani.
Ngeke ukwazi ukukhipha imali nge-cellphone kodwa udinga ikhadi lasebhange lokuyikhipha emshinini noma ufuna ukuyisebenzisa njenge-debit card emabhizinisini awathathayo.
“Uma usebenzisa i-cellphone banking njengeWizzit esebenzisa indlela ye-USSD esikhundleni seSMS, nokuyinto ethatha cishe imizuzwana engu-20, lokho kungakudla cishe u-20c we-airtime,” kuchaza uMD Brian Richardson.
“Okwenzayo kuyashesha, hhayi njengamaSMS abambezelekayo uma seziziningi izingcingo ezilindile kwi-network yakho.”
I-cellphone banking isebenzisa amakhodi angaphakathi ayisipesheli angamaSMS nama-e-mails ukusiza wena ukuze ukubhenka kwakho kube ngokuphephile. Ngeminye imisebenzi yosizo ungathola ukuthi udinga i-cellphone ephambili ene-32K SIM card noma ene-WAP ye-web-browsing – kanti eStandard Bank usebenzisa i-Internet ekwi-cellphone, ngakhoke uzodinga iGPRS enhle edonsa kahle endaweni yakho. Uma ufuna ukwenza ngendlela elula, iWizzit ayidingi ngisho ne-cellphone yohlobo oluphambili.
I-DIY banking iyakukhulula kakhulu. Uma wenze iphutha ngemali ofuna ukuyikhokha noma inombolo ye-akhawunti ofuna ukuyifaka kuyona, kuba yiphutha lakho hhayi lebhange.
Yimibuzo ethile ezokusiza kokwenzayo - “Do you want to proceed? Yes/No” – ngakhoke njalo zinike isikhathi ukuze uqiniseke ngento oyenzayo.
* Emva kokubanxusa kaningana, abakwaMTN bahluleka wukuphawula ngalolu daba.
BONA ZULU – December 2006
u
t
Into oyidingayo ukuvula
i-akhawunti yeWizzit yi-ID
Ikuphi ongakongelwa
yi-cellphone banking…
Ukonga 1: Isikhathi
Ukusebenzisa ibhange nge-cellphone kungakongela kusukela emizuzwini emithathu kuya esikhathini esingangehora, nokuncika ekutheni kugcwele kangakanani emigqeni, nasekutheni i-transaction yakho inzima kangakanani noma inkinga injani.
I-cellphone banking ikongela isikhathi, ungalokhu ubambezeleka ngelantshi kolayini basebhange uze ube nenkinga nasemsebenzini.
Ukonga 2: Imali
NgeNedbank ukwenza isibonelo, izindleko zomsebenzi wabo ekukhokheni ziwuhhafu wezijwayelekile, nakuba uma uyisa kwenye i-akhawunti okungesiyo eyaseNedbank kubiza R3 kuphela. Kodwa-ke abeNedbank bakukhokhisa R14,75 zinyanga zonke ngomsebenzi abakwenzela wona - kanti kwiWizzit, FNB, Standard Bank no-ABSA kumahhala okwamanje.
Ebiza kancane yiWizzit, ekubiza imali eyodwa lapho wenza i-transaction. Ngakhoke ngisho ngabe uthenga ilitha yobisi noma imoto uzokhokha nje R1,99 kuphela nge-debit card yakho. Okuxakayo, i-cellphone banking ibiza kakhulu - ukufaka imali kwelinye ikhasimende lakwaWizzit kubiza R2,99 kodwa ekhasimendeni elingekho ngaphansi kukaWizzit kubiza R4,99.
UWizzit ubiza kuphela uma ukhipha imali kwi-ATM. U-R500 uzokubiza R8,95, kodwa esitolo kwi-till kubiza R1,99. Ibhalansi kwi-ATM nayo iyabiza ngoba ngu-R4,99 kwi-cellphone banking ingu-99c – kodwa kwaFNB lokhu kubiza 50c.
Nakuba ingekho imali ephansi oyikalelwe ukuba ibe kwiWizzit account yakho, kodwa ukuyivula ikubiza R39,99 othathwa kanye. Lokhu kukhulu kakhulu kunemali engu-R20 edingeka kwi-akhawunti yoMzansi, kodwa iWizzit ine-debit ne-stop order uMzansi ongenakho.
Ukonga 3: Ukucasuka
Indlela ye-cellphone banking ngeke isebenze uma amakhomphyutha asebhange engasebenzi noma ne-network ye-cellphone ingekho - noma ungenayo i-airtime.
Ngezinkinga zama-akhawunti ungadinga ukuxhumana nama-call centres ama-cellphone banking. Kodwa uma ucabanga ibhange lama-cellphone kuphela njengeWizzit, qiniseka ukuthi wenelisekile ngama-call centres kunokuba ukhulumisane umlomo nomlomo nesikhulu sebhange uma unezinkinga.
Ama-call centre eWizzit anika usizo ngazo zonke izilimi ezingu-11 ezisemthethweni kanti basebenzisana nabeFNB ikakhulu ngezikhathi zomsebenzi. INedbank yona inika usizo ngesiNgisi kanti amanye asebenzisa nesiBhunu.
Ukonga 4: Ukulimala nokulahlekelwa
“Cishe amaphesenti angu-65 amaholo asakhokhwa ngokheshi kanti elinye lamakhasimende ethu labanjwa inkunzi izikhathi ezine ezinyangeni ezingu-12 ngaphambi kokujoyina iWizzit,” kusho uRichardson.
Uma ucabanga ngokusebenzisa ibhange ngocingo, thola kuqala ukuthi ngabe ikhona yini i-software eyisipesheli okufanele ifakwe (download) kwi-cellphone yakho ukuze isebenze. Uma kunjalo, lokhu kuzohambisana nokuvikeleka kwe-akhawunti yakho yasebhange ephephile lapho i-cell yakho ilahleka noma intshontshwa.[z]
BONA ZULU – December 2006
Ngabe i-cellphone banking izongibizani?
1. Imali yokwenza i-transaction.
2. Imali ye-network operator mhlawumbe ngesikhathi usekulayini (Internet) noma ngamaSMSes noma ama-USSDs athunyelwe.
3. Imali yazinyanga zonke yosizo
lwe-cellphone uma ikhona.
